B
The Golden 1 Credit Union
Data as of
December 31, 2021
Risk Based
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Major Rating Factors: A current level of 2.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.3.
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.9) profitability.
Asset Mix: Consumer loans (25%), home mtgs (24%), securities (3%), other (47%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
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5-Year ROAA (Return on Average Assets)
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Hot Money
Corporate Info
Address
8945 Cal Center Drive
Sacramento, CA 95826
Phone Number
(916) 732-2900
NCUA Charter Number
Largest Competitors
Weiss Ratings